I have to admit, I really wish that I had been able to read this post about two years ago. I was supposed to finish up my finance degree at Florida State University over the summer, and I got a little lazy as it is easy to do during the summer in a college town. Unfortunately, complications arose and I was forced to retake the class that next fall. I still kick myself for my actions that summer, but things all worked out for the best in the end, and I am a better man for the mistakes that I made when I was younger. Thank you for sharing such great quotes!